---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-25-000055"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T07:45:36.903936+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance Q1 net income up 23% to $41.4M; EPS $1.44

## Summary
- Diluted GAAP EPS $1.44 vs $1.14; adjusted EPS $1.44; net income $41.4M, up 23.1%.
- Direct premiums written $467.1M (+4.7%) from 34.7% growth outside Florida; policies in force up 5.5%.
- Net combined ratio 95.0% improved 0.5 pts; loss ratio down 1.4 pts to 70.5% on lower weather losses.
- Completed 2025-2026 reinsurance renewal early; secured $352M multi-year coverage through 2026-2027.
- Declared Q2 dividend $0.16/share, payable May 16, record May 9.

## SEC filing metadata
- accession: 0000891166-25-000055
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2025-04-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/891166/000089116625000055/0000891166-25-000055-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116625000055/uve-20250424.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-25-000055
- JSON: https://secwatch.observer/filing/0000891166-25-000055.json
- Plain text: https://secwatch.observer/filing/0000891166-25-000055.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.